classic example of unintended consequences, when you start talking about raising taxes, people take action to reduce their liability. that's human nature, that's common sense. on this, on the stories you cite, stuart. two quick comments, number one, you can be pretty certain, dividends and capital gains will be taxed higher because of that 3.8 sur tax because of obamacare, that you can count on. second story, charitable contributions that's not ascertain as the 3.8% sur tax. >> i don't think we're going to see any restriction on the mortgage interest deduction. i don't predict that's going to happen. only 27% of people claim the mortgage interest deduction is a relatively small number. don't think it's going to happen. >> i don't rule out some kind of restriction on second homes or, you know, vacation homes, something like that. but any direct assault on that and i would add, any direct assault on the muni bond deduction, to me, is very unlikely. stuart: yeah, look, everybody here and i'm sure our viewers, they're fiscal cliff cliff fatigued to death. it's a real turnoff and we know it, bu